Home Equity
Know what you actually own
This calculator turns your home value and your mortgage balance into the number that matters most: how much equity you have and roughly what a sale would net after closing costs. It is the starting point for refinancing, selling, or unlocking equity for your next chapter.
Browser-only estimate
How much equity do you have?
Enter your home value and what you still owe. Your equity and estimated net proceeds update as you type.
Covers commissions and typical seller closing costs. In Florida the seller customarily pays the deed doc stamps and the agent commission.
Your equity
$220,000
- Home value
- $500,000
- Mortgage balance
- $280,000
- Estimated sale costs
- $40,000
- Loan-to-value
- 56%
- Estimated net proceeds
- $180,000
Estimates only, not an appraisal. Your true numbers depend on the final sale price, your exact loan payoff, and the title company's closing statement.
Get a Full Net SheetGet the real numbers
Bring your numbers to a free strategy call
This is a browser-only estimate to help you plan. Michael “Wiz” Wisniewski pairs the math with real lender quotes, current tax and insurance figures, and a plan that fits your goals. No obligation, no pressure.
This is a browser-only estimate, not an appraisal or a lender pre-approval.
A full appraisal or a broker price opinion gives the market an honest read on your home value.
Wiz reviews the real numbers with you, and if you are thinking about selling, he can prepare a full net sheet for your exact property.